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By default, Finta works in pass-through mode. When a sync runs, we fetch data directly from your bank or payment provider and push it to your destination. It works great, but Finta isn’t holding onto any of your data in between. Storage mode changes that. When it’s on, Finta keeps a copy of your financial data on our end. That opens up a few things that aren’t possible in pass-through mode:
  • API and MCP access. Use the Finta API or connect Finta as an MCP tool for AI assistants and developer workflows. Your AI tool queries the copy Finta has stored, which updates each time your connections sync. It does not read your bank in real time.
  • Syncs keep running through bank errors. If a bank connection has an issue, your last-known data is already stored, so your destinations stay up to date.
  • Better uptime when providers are down. If your bank’s API has an outage, Finta can still serve your data instead of failing.

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What Finta stores

When storage mode is on, Finta maintains the following:

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Getting started

Turn storage mode on from Settings → Data. Connecting an AI tool to Finta MCP or creating an API key also turns it on. Finta will immediately start pulling in your history. You can watch the progress per connection on that page. Once the backfill is done, storage mode is fully active.

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FAQs

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How long does the initial sync take?

If you have a lot of history, it could take a few minutes. Head to Settings → Data for a real-time status update on each connection.

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What happens when I turn storage mode off?

We delete your stored transactions, holdings, investment activity, and categories from our database. Your bank connections, accounts, and balance history stay, so your destinations will still sync normally.
When we say delete, we mean it. There are no soft deletes. If you turn storage mode off and then back on again, Finta will start a fresh backfill from scratch.

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What happens if I close my account?

Closing your Finta account deletes the same stored data. It’s a hard delete, not an archive.